Good morning:
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​Reminder: The next live show will be Monday, August 3rd at 7 pm ET. You can subscribe to the YouTube channel where the show is broadcast here.

​Your Book Recommendations​

3 Things

1. Why You'll Never Solve All Your Money Problems (mr-stingy)
2. One Thing I Discovered… (The Retirement Manifesto)
3. How to Use Small-Cap Stocks in Your Portfolio (Morningstar)

ICYMI

• Why Americans Are Richer, Happier, And Healthier Than You Think (Financial Samurai)
• Retiree Health Costs Spike 7.5% in Latest Estimate From Fidelity (Financial Advisor Magazine)
• Strength Training Over Decades Linked to Longer Life (Harvard Health)
• 2025 Milliman Long-Term Care Index (Milliman)
• 10-year TIPS auction gets real yield of 2.438%, a great result for investors (Tipswatch)
• Go While You Still Can: Not All Years Are Created Equal (Meaningful Money)
• Money Talks: The Price of Status (Of Dollars And Data)
• An Advisor's Guide To Opening 530A "Trump Accounts" (Kitces)
• What just happened to TheNumbers.com should worry us all (Stephen Follows)
• The war in Iran sparks a global fertilizer shortage and threatens food prices (Reuters)
• OpenAI makes ChatGPT Health available to all US users (TechCrunch)
• The Original 100 Objects (99% Invisible)

My Videos & Articles

• Are Index Funds Too Risky Now That They're Packed With AI Stocks? (FQF) (YouTube)
• A Simple Approach To Bond Investing | Live Q&A (YouTube)

What I'm Reading, Listening To, Watching, and Thinking About

• I finished the second volume of the LBJ biography written by Robert Caro: Means of Ascent. The story of how LBJ stole the 1948 Democratic primary for Senator is extraordinary.
• I'm now working on the third volume, Master of the Senate.
• I finished Think Again: The Power of Knowing What You Don't Know, by Adam Grant. His description of the three mental modes we can slip into--preacher, prosecutor or politician--was the big takeaway for me. Hint, scientist is the better mode.
• I've been watching a number of new releases, including Silo (Apple), Sugar (Apple) and Lucky (Apple). Each very good, but in different ways.

Tools I'm Using From Partners

• Monarch Money: Get 50% off the First Year of Monarch Money Core Plan--Discount Code: ROB50​
• ​Boldin: I use this tool for our retirement planning. ProjectionLab is also a great financial planning tool and is offering a 10% Discount Code RBERGER-10.
• ​Kubera: My choice to track investments and net worth. They offer a 14-day free trial. An excellent free alternative is Empower.

Resources From Partners

• Get free Medicare guidance from Chapter (410) 220-5494
• For a limited time, try the AI-powered budgeting app Origin for just $1 the first year.
• You can see a list of all of my Youtube videos here.
• You can see a list of the budgeting, investing and retirement planning tools I use here.
• You can view past issues of the newsletter here.
• ​DIYRetirement Subreddit​

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Best,
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Rob Berger
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P.S. Feel free to hit reply and send me a message. I read every email.